The Average Vehicle Liability Insurance Costs in Texas

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There are two types of liability insurance sold for cars, but they are usually sold as a package. Bodily injury liability is used to pay for injuries that you cause to someone else in an accident, and property damage liability pays for damages to other people’s property. The average cost of liability insurance in Texas will vary according to a number of factors, including whether you purchase the minimum amount or more expansive coverage.

Cost-Determining Factors

  • Your average costs will differ from the state average, based on personal factors. Married people pay lower rates, as do those who live in rural areas or ZIP codes with low crime rates. Additionally, the make and model of car you drive will have an impact, and how far you drive the vehicle in a year will raise or lower the perceived risk of insuring you.

Age and Gender

  • Anyone under the age of 25 can expect to pay more for liability insurance than older drivers. This is because statistics have shown that young drivers are significantly more likely to be involved in car accidents involving property damage and injuries. Similarly, male drivers have been shown to be more likely to display risky driving habits, regardless of the age of the driver. To get an idea of how quickly insurance rates for the young can increase, the Teen Auto Insurance Rate Explorer allows you to adjust factors such as your deductible and number of accidents on your record (see Resources).

Average Liability Costs

  • The Insurance Information Institute compiles information about insurance costs along with other useful data. According to the institute, the average cost of liability insurance in Texas was $471 per year in 2008, the last year for which complete data has been made available. If you have a safe driver designation, you can expect the costs to be somewhat lower, while someone with a few points against their license will pay a bit more.

Other Coverage Options

  • Keep in mind that liability insurance only covers injuries and damages that you cause to others, and will not pay to repair your vehicle or cover your own injuries. To pay for damages to your own car, consider adding collision and comprehensive insurance, coverages that pay to repair your vehicle if you are at fault or when the damage arises from situations other than auto accidents. For your own injuries, medical payments insurance, also called personal injury protection, will pay for you and your passengers. Other optional coverages include roadside assistance, free towing and rental car reimbursement.

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